List Of Documents Required For A Home Loan In 2025

List Of Documents Required For Home Loan

Various financial institutions have different standards or lists of paperwork that they need to process a mortgage. 

The following is a list of key crucial documents required for a home loan application procedure.

• Loan Application Form
• Residential Proof
• Passport size 3 Photos
• Identity Proof
• Property details in Documentation
• Personal assets and liability documents
• Bank statements for the last 6 months
• Form 16
• IT returns for the last 2 financial years
• Business licence if self-employed

You can apply for a Home Loan Here.

Also, Read 10 Best Banks For Home Loans In India 2025

KYC Documents Required for a Home Loan

Here is a list of KYC documents required for a Home Loan.

Age Proof

• Birth Certificate
• PAN card
• Passport
• Driving licences
• Bank Passbook
• 10th Marksheet

Photo ID Proof (Any one document)

• PAN card
• VoterID
• Passport
• Driving licence

Residential Proof

• Ration Card
• Electricity Bill
• Employment Certificate 
• Passbook or Bank Statement with address

You can Check your Home loan Eligibility

List of the Documents Required for a Home Loan for an NRI Applicant

Here is a list of the documents required for NRI applicants to get a home loan.

• Valid KYC Document
•  Salary certificate from the employer showing Name (as per Passport), Position, Joining Date, Passport Number, and Most Recent Salary in English.
• Last 6 Month Salary Slip
• Business documentation such as a trade license, sponsorship agreement, Power of attorney, etc. for self-employed NRIs.
• Copy of the passport with the residence visa page visible.
• Property details in Documentation by Developer
• Government-issued documentation of employment, such as a work visa or employment contract
• NRO/NRE bank statement for the last 6 months.
• If the applicant cannot be present in the nation when the paperwork is being signed, a Power of Attorney must be presented by the representative.
• Copies of the last six months’ foreign bank statements.

Documents Required for a Home Loan for a Salaried Person

Here is a list of the documents required for a home loan for a salaried person.

• PAN card
• Adhar card
• Application form with photograph duly signed
• Passport
• Residential proof
• Last 3-month Salary Slip
• Bank statement
• Form 16
• Job confirmation proof
• Business Profile
• Information regarding loan availed with its track record
• Education qualification certificate and proof of business existence
• Last 3 years’ income tax returns (ITR) with computation of Income 
• Property documents with sanction map

Also, read Home Loan Processing Fee 2025 And Other Charges For A Home Loan

Document Required for Home Loan Guarantor

A list of the documents required for a home loan Guarantor is given below, 

• Liabilities Statement and Personal Assets.
• 2 Passport size photographs.
• Identify proof.
• Residence proof.
• Proof of business address.
• Signature confirmation from the current bank.

Importance of Documents to Apply for a Home Loan

Loan documentation means showing all the documents to banks or financial institutions for getting the loan.

For a home loan, all of the aforementioned documentation must be provided on time. 

Your housing loan application may be rejected by the lender if they find any discrepancies in the documentation. 

These documents are very necessary for the security of loans. 

If the loan is given without documents, there is a chance that the bank or financial institution will fail to get the same loan from the borrower.

Equated Monthly instalments (EMIs), which are determined by the lender, are required for house loan repayment.

Check your EMI here from the EMI calculator. 

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